Marcus Reyes is the Senior Insurance Analyst and Lead Researcher at The Insurance Ledger. His work focuses on translating dense policy language, state regulatory filings, and market pricing data into plain-English guides that help readers make confident coverage decisions.
Every guide Marcus publishes is built the same way: start with the reader's actual question ("Does my plan cover this?"), verify the rules against primary sources — state insurance department publications, NAIC data, and insurer policy documentation — and then pressure-test the advice against real-world scenarios before it goes live. He writes primarily on health insurance, auto insurance, and coverage for small businesses and independent workers.
Marcus is not a licensed insurance producer and does not sell insurance. He approaches the beat as an analyst and researcher: no carrier relationships, no commissions, and no financial stake in which policy a reader chooses.
Beat Coverage
- Health insurance — plan types (HDHP, PPO, HMO), ACA marketplace rules, open-enrollment strategy, COBRA vs. marketplace decisions
- Auto insurance — coverage choices, pricing factors, shopping strategy, rideshare and gig-work coverage gaps
- Business & specialty — cyber liability, professional liability (E&O), business owner's policies for small operations
- Life & financial protection — term life decisions, disability coverage, umbrella policies
Editorial Standards
Marcus's work is reviewed before publication by a second editor as part of The Insurance Ledger's editorial process, and substantive corrections are logged publicly on our Corrections page. Reader corrections and tips are welcome via our contact page.